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FOREWORD 

THE CITIZENS SAVINGS & TRUST COMPANY issues a second and 
enlarged edition of this booklet which illustrates monthly combination 
effects of hardy flowers and explains their care and growth, as a 
reminder that an account opened in its Savings Department will form the 
nucleus for a fund which will steadily grow to substantial proportions. 

Attention is also called to the uninterrupted growth of the institution as 
evidenced by the fact that it is the largest as well as the oldest Trust Com- 
pany in the State of Ohio. 

THE CITIZENS SAVINGS & TRUST COMPANY 

EUCLID AVENUE, near east ninth street, CLEVELAND, OHIO 





Cupyriiilit. 1911. fiy The Citizens Savings A Trust Company. Cleveland. Olito 






IAIN ENTRANCE 




Comparative Statement showing 
growth of The Citizens Savings & 
Trust Company : 





R 


esources 


1870 






$ 1.009,823.64 


1890 






11.359.620.48 


1903 






33.888,815.21 


1911 






47,679,581.05 



TO have a garden that will yield the most satis- 
factory returns for the amount invested, it should 
be planned with a view to beautifying the 
grounds surrounding the house as well as for sup- 
plying cut flowers for interior decoration. 



The first spring flowers in this latitude come in 
MARCH, if the weather is propitious. The Hyacinth 
and all of the Narcissus family bloom at this time. 
Bulbs should be set out in September or October and 
can be planted in borders or beds with Rock Cress, 
Spice Pink or other shallow rooted creeping plants. 
The bulbs being deep in the earth do not interfere 
with the plants and so can profitably occupy the same 
space and greatly improve the appearance of the 
border. 




MARCH — Hyacinths In Bloom 






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BRONZE DOOR 



The convenient location of The 
Citizens Savings & Trust Com- 
pany in the center of the shopping 
district adds to its desirability as a 
banking home. 



IN the garden in APRIL the Rock Cress forms a 
dense carpet with its mass of pure white flowers 
and is a sight to gladden the eye of every lover of 
nature's beauties. With it the German Iris, the Crocus 
and the Daffodil make a perfect combination. Rock 
Cress is easily grown from seed and blooms the sec- 
ond season. 

German Iris can be propagated from root cuttings as 
it is not strictly bulbous. The best time to set out is 
after blossoming. Iris succeeds in almost any soil, 
but grows best in rich, deep, moist earth. It requires 
sunshine and will bloom from April to July. It must 
not be confused with the Japanese variety which does 
not bloom until June or July. 











VIEW OF LOBBY 



During the springtime, it is well to 
begin to prepare for next sum- 
mer's vacation by opening an ac- 
count with The Citizens Savings 
& Trust Company, and then regu- 
larly depositing a portion of your 
earnings. 



THE month or MAY finds Pansies and the beau- 
tiful Mountain Pink at their best. In the illus- 
tration these are shown with hardy Candytuft 
interspersed. Contrasted with them, the gracefully 
drooping white fronds of Spirea form an ideal back- 
ground. 

The Spirea shown is the Van Houttei variety and is 
much more satisfactory than that known as Bridal 
Wreath for which it is often mistaken. 

These are all hardy plants and shrubs and require 
but little care. They are easily raised and well repay 
the small amount of attention they require. 










MAY— A Mass Border Effect 




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NTERIOR 



Ever since the establishment of 
The Citizens Savings & Trust 
Company, forty-three years ago, 
its deposits have steadily grown 
and it is, in consequence, not 
only the oldest but the largest 
Trust Company in Ohio. 



fTAHE warm days of JUNE produce wonderful 
effects in color, a truly beautiful combination 
being that of the Daisy family, as shown on the 
opposite page. In the foreground is the dainty Eng- 
lish Daisy with its delicate wreath of color and 
modest growth, rarely attaining a height beyond six 
inches, while behind, rearing their tall, stately heads 
are the elegant Burbank Shasta Daisy with the beau- 
tiful White Feverfew interspersed. 

At the rear are taller varieties of flowers and bushes, 
chief among which are the Rambler Rose and the 
splendid Weigela. 

All of these are very hardy and need only ordinary 
care with the exception of the English Daisy, which 
must be protected with straw or light mulch during 
our severe winters. 





JUNE— A Beautiful Daisy Border 




I 



CATHEDRAL CHAIRS 



A savings account opened with 
The Citizens Savings & Trust 
Company rapidly grows by reason 
of additional deposits and the 
interest credited — 4 per cent com- 
pounded twice a year. 



N the midsummer heat of JULY many beautiful 

annuals come into bloom, yet except for a cover 

crop to conceal the bare ground where some early 

flowering perennial has died down, it is not necessary 

to have recourse to them for flowers, as many hardy 

plants are now in their full glory. 

Among these latter, as shown in the illustration, the 
exquisite white blossoms of the Feverfew make a 
striking appearance. The Hardy Tufted Pansy blooms 
continuously if planted in partial shade, and the 
Hardy Larkspur with its rich, blue flowers adds a 
harmonious note of color. The seeds of these should 
be sown in the Spring and set out from the seed beds 
in October. They commence to bloom the second 
year from seed. 












JULY— A Midsummer Border Alive With Color 






PRESIDENTS OFFICE 



The directorate of The Citizens 
Savings & Trust Company has 
ever been selected from Cleve- 
land's best citizens, and today it 
comprises men whose experience 
in financial affairs affords assur- 
ance of unquestioned safety. 



DURING AUGUST most of the flowers of the 
earlier months are still in bloom, but a special 
feature may be made at this time of the beau- 
tiful Evening Primrose which makes an attractive 
border or rockery plant. Its fragrance and delicate 
beauty make it a universal favorite. It grows low, 
has a profusion of multicolored flowers, and when 
given plenty of sun will succeed well in almost any soil. 

Watering is most essential during this month. Leaves 
as well as roots require plenty of water and should 
receive a copious sprinkling every evening with a 
fine spray. Unless properly watered, plants will not 
flower freely. 







AUGUST— The Beautiful Evening Primrose 




















OFFICERS' DESKS 

One Dollar a week deposited with 
The Citizens Savings & Trust 
Company at 4 per cent compound 
interest for a period of ten years 
will amount to six hundred and 
fifty dollars. 



T 



HE cooler days of SEPTEMBER do not lack 
for variety and profusion of flowers. In the 
illustration is shown a beautiful variety of pink 
lily, the Lilium Speciosum Rubrum, which, while 
generally better known as a greenhouse plant, reaches 
its highest state of perfection when grown naturally 
out-of-doors. 



Like most of the tall varieties of lily, it requires a 
foliage plant to conceal the bare earth. Especially 
adapted for this purpose is the large leaved plantain 
lily seen in the foreground. In the background is 
the variegated Japan Rush, a very ornamental variety 
with narrow striped white and green leaves. 




SEPTEMBER — Pink Lilies and Japan Rush 




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BANKING ROOM 



The substantial growth enjoyed by 
The Citizens Savings & Trust 
Company for 43 years is an evi- 
dence of the unexcelled service 
and the absolute safety which it 
affords depositors. 



THE first frosts come with OCTOBER and after 
the more tender flowers have gone, hardy 
Chrysanthemums of many colors and varieties are 
at their best. The Wild Aster, so often treated as a 
weed and usually neglected in fence or field corners, 
when cultivated yields flowers of extra size in enor- 
mous quantities. 

There are numerous varieties of this Aster but the 
Grandiflora produces the most beautiful profusion of 
flowers. It grows tall and thick and should be given 
a corner in which to run riot. It requires practically 
no attention and its star-shaped white and purple 
flowers are extremely effective. 







OCTOBER— A Clump of Wild Asters 








VAULT DEPARTMENT 

Fifteen dollars deposited every 
month in a savings account with 
The Citizens Savings & Trust 
Company will at the end of sixty- 
one months provide a fund of One 
Thousand Dollars. 



ONCE established, a hardy garden requires less 
care than any other and as most of the plants 
increase from year to year by root division and 
runners, in a few years the garden produces an 
abundance of plants of all kinds. 

No class of plants lends itself to such a variety of con- 
ditions as the Hardy Perennials. The cultivation is 
of the simplest character. Make the soil rich, dig 
deep and pulverize it well before planting. The best 
time to set out most hardy plants is in the Autumn 
or early Spring when they commence to show signs 
of life after their winter rest. 















An Effective Inside Border Arrangement 

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The Citizens Savings & Trust 
Company is one of the best known 
savings banks in the country. It 
was established in 1868 and has 
shown a continuous growth ever 
since its organization. 







FOR those who love Roses the following list is 
thoroughly suitable for the climate of Cleveland 
and vicinity. Roses should always have protection 
during winter, of about twelve inches of straw or 
leaves spread on the bed. They do best in clay loam 
but will thrive even if the soil is sandy or stiff clay. 
Always buy two or three year old budded stock. 
Roses grown on their own roots will not do well in 
this climate and soil. 



La France— Pale pink, very beautiful and fragrant. 
Will last until frost. 

Soleil D' Or —The only absolutely hardy yellow rose. 
Blooms until frost. 



Killarney — Pale pink. Blooms all summer, 
choicest of pink roses. 



The 







— —■ ■■■■ 
















A Hedge of Hydrangea 











Ulrich Brunner — Brilliant crimson. Very fragrant 
and hardy. 

Mrs. John Laing— Light pink. Large fragrant flow- 
ers. Lasts until frost. 

Maman Cochet— Lovely in shape and color. Re- 
sembles tea rose in habits. 

Fran Karl Druschki — The finest of all white roses. 






LADIES' ROC 



The Citizens Savings & Trust 
Company has provided for the ex- 
clusive use of women a private 
room, in charge of a maid, sup- 
plied with writing desks, station- 
ery, telephones and other con- 
veniences. 



Rose bushes should be pruned in April. Plant at 
least three feet apart, and if large individual flowers 
are desired make the soil very rich. 






English Daisy. Sweet William, German Iris 




One copy del. to Cat. Div. 



23 191 J 



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